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I can't say there is no risk at all, but I would say that if you're not backing up your data to USB you're taking a risk anyway. Furthermore, it's what most of the traders here do so that they don't loose the car/ticket they are sending: Save backup to USB, send stuff, restore backup to PS3.
But don't do it if you don't want to or if you're not confident about it, it's your game, that's true.
But don't do it if you don't want to or if you're not confident about it, it's your game, that's true.